Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

Continue reading

Cash Back Credit Cards

citibank-double-cash-credit-cardOur favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash that you can use any way you want. Below we list some of the best cash rebate credit cards currently on the market, all offering at least 1% cash back, but usually more.
Continue reading

Review: Cabela’s Credit Card

cabelas-credit-cardCabela’s outdoor stores, via its company-owned World’s Foremost Bank, offers a credit card that allows you to earn points toward free Cabela’s gear. Our overview / review of the card is below:

The first thing to understand about the Cabela’s credit card is that it is a Visa credit card, meaning it is accepted anywhere Visa is accepted — which is just about everywhere. This is a good thing — many retailer credit cards are good only at the one store chain; this card has wide acceptance, making it much more useful.
Continue reading

Zero Interest Credit Cards

zero-percentBelow is a list of credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. Note that after the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Also understand that most 0% balance transfer offers include a balance transfer fee. All of these cards have no annual fee.
Continue reading

How to Apply for a Marshalls Credit Card

marshalls-credit-cardMarshalls discount clothing stores DO offer a credit card, but that’s not immediately apparent unless you know that Marshalls and TJ Maxx are part of the same company, and that the credit card for both chains is the TJX Rewards Credit Card.

There are two TJX credit cards, one a store-only card that you can use only at Marshalls, TJ Maxx, Sierra Trading Post, and HomeGoods stores, and the other a MasterCard that can be used at these stores as well as anywhere else MasterCard is accepted. If you apply, you will first be considered for the MasterCard. If your credit is not good enough to get accepted for the MasterCard, you will then be considered for the store-only card.
Continue reading

Review: Lexus Credit Card

lexus-credit-cardLuxury car maker Lexus, through its own Lexus Financial Savings Bank, offers a credit card that allows you to earn points toward future Lexus vehicles, service, parts and accessories. Our overview / review of the card is below:

To begin, the card in question is the Lexus Pursuits Visa, with “Visa” being an important word. Because Visa is accepted so widely, this card is accepted widely as well, making it preferable to retail or other limited-use cards tied to a particular merchant. If you are a Lexus owner and/or fan, you can earn rewards on more than just Lexus purchases, which is good.
Continue reading

Bloomingdale’s Credit Card Payment, Login, and Customer Service Information

bloomingdales-credit-cardBloomingdale’s credit cards are issued by Department Stores National Bank, which is the bank run by Bloomie’s parent company Macy’s Inc. So, in order to make your credit card payment online or by mail, you will deal directly with Bloomingdale’s, a rarity in these days when most cards are actually issued by partner banks. Below you’ll find all the information you need to get your bill paid or get other help if needed:

Continue reading

Bed Bath & Beyond Credit Card

bedbathIf you are a frequent shopper at Bed Bath & Beyond, you may have heard that there is a Bed Bath & MasterCard offered by US Bank.

In fact, here’s a whole page about it, including the fact that you can get 5 points per dollar for your purchases at Bed Bath & Beyond, buybuy Baby, and other sister stores, while getting 1 point per dollar on purchases elsewhere. Every 1000 points earned gets you a $10 Bed Bath & Beyond Reward Card.
Continue reading

Dick’s Sporting Goods Credit Card Payment, Login, and Customer Service Information

dicks_logoThe Dick’s Sporting Goods credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank) and you will make payments to Synchrony Bank and interact with Synchrony if you have questions or problems with your Dick’s credit card. Key info on paying your Dick’s bill or reaching customer service is below:

  • If you want to pay your Dick’s Sporting Goods credit card bill online, you can log in and pay here.

Continue reading

Review: Applied Bank Credit Cards

applied-bank-logoApplied Bank is in the business of offering credit cards to people with bad credit. Our review of their cards in one sentence: avoid them.

The first thing you’ll notice about Applied Bank is that nowhere on their Web site do they offer the gory details of their credit cards. Instead, they only offer their cards via solicitations in your mailbox. However, we’ve seen enough of their offers to give you a basic understanding of what you’re getting into.
Continue reading

Big Lots Credit Card Payment, Login, and Customer Service Information

big-lots-logoThe Big Lots credit card is no longer offered, but it was issued in partnership with Capital One, and if you still owe money on a Big Lots card, you’ll deal with Capital One in order to pay your bill online or by mail, or if you need customer service help. All the information you need to complete any of these tasks is below:

Continue reading

Instant Approval Credit Cards

yesterday2Instant approval credit cards can mean one of two things:

  • You get approved today but don’t get the card until later.
  • You get approved today and can instantly begin using your new credit line.

Continue reading

Credit Cards Issued by Synchrony Bank (formerly GE Capital Retail Bank)

synchrony-bank-logoSynchrony Bank (formerly GE Capital Retail Bank) is the bank that is “really” behind many of the most popular retail credit cards out there. This means that if you have one of these cards, it is Synchrony Bank that is extending you credit and it is Synchrony you will be dealing with in the future, not the company whose name is on the front of the card. Synchrony Bank credit cards include:

Continue reading

Review: Avenue Credit Card

avenue-credit-cardPlus size women’s retailer Avenue, in partnership with Comenity Bank, offers a credit card that gives you the opportunity to earn discounts on future Avenue purchases. However, watch that interest rate! Our overview / review of the Avenue credit card is below:

The first thing to understand about the Avenue credit card is that it can only be used at Avenue — not at any other stores. We are not fans of credit cards tied to one retail chain; opening a new credit line for such limited usage can be bad for your credit score, affecting your ability to qualify for credit & loans in the future.
Continue reading

New Barclaycard Credit Card the Latest to Eclipse 1.5% Cash Back

barclaycard-cashforwardBarclaycard announced today the launch of its CashForward World MasterCard, a cash back card offering a 1.5% rebate plus the opportunity to earn a bit more. The Barclaycard is the seventh credit card we know of that offers at least 1.5% cash back on all purchases, and the fourth to go beyond the 1.5% level.

The Barclaycard CashForward card offers a 1.5% rebate on all purchases, and then sweetens that deal by giving you a small boost of 5% of the redeemed amount when you cash in that reward. (You must have earned $50 in rebates in order to redeem your reward.) However, you do not get that 5% redemption bonus right away; instead, it is put into your rebate account to get you started toward your next rebate redemption.
Continue reading

Review: HSN Credit Card

hsn-credit-cardThe HSN credit card allows you to buy on credit on HSN (formerly Home Shopping Network) and also offers you various HSN discounts. But be careful of that interest rate and those “VIP” financing offers! Our overview / review of the HSN credit card is below:

The first thing to understand about the HSN credit card is that it can only be used at HSN, nowhere else. (There used to be an HSN MasterCard that was accepted other places, but that’s no longer offered.) A credit card with such limited acceptance is something to be wary of — opening a new line of credit can hurt your credit rating, especially if your credit history is shaky, so you don’t want to open a new line of credit that you can barely use, especially if your credit is not great.
Continue reading